St Catharines Auto Insurance
Car insurance gives you peace of mind in case the worst happens on the road. Although no one wants to get into an accident, most crashes in St. Catharines are due to human error, and some can be debilitating. When it’s time to choose an insurance provider, you deserve both quality coverage and a fair rate.
Over the years, we’ve helped thousands of people save money on their car insurance without the hassle or additional work. We know that searching for St. Catharines car insurance is not easy, so we’ve created a platform where you can compare prices quickly.
Use MyChoice to Find a Great Price on Your Insurance
At MyChoice, our insurance calculator gives you instant prices and compares quotes from the best insurance providers in St. Catharines. Once you review all the quotes and choose your provider, you’ll know if your current plan is overpriced and how much you’re overpaying.
You can compare options and select the right coverage at the right price. In less than three minutes, we give you a list of your coverage options from Canada’s best providers. You can connect with the company from our platform, and this service is entirely free.
Good coverage depends on factors that you can tweak depending on your preferences. With additional discount options, you can add or remove services that alter your insurance quote and adjust it according to your needs.
What’s the Average Price of Car Insurance in St. Catharines?
St. Catharines is a bustling metro area close to Niagara Falls, and it’s the largest city in the Niagara area. The city is only a short drive from the U.S. border, which makes it a popular destination to pass by for visitors and tourists alike. With charming wineries, modern roads and vibrant nightlife, there are plenty of drivers on the road.
As its population grows, the number of cars will increase, and insurance prices will likely increase this growth over the next decade. Despite this, car insurance in St. Catharines is still quite reasonable compared to other cities in Canada. You can expect to pay between $1,500 – $1,800 a year for coverage. That said, prices will vary depending on the policy that you seek.
Driving in St. Catharines, What You Need to Know
St. Catharines is a vibrant city. With so many things to do and places to visit, you will always have a good time. However, the city’s growing popularity does have some drawbacks, especially when it comes to traffic. This congestion can lead to a higher risk of getting into an accident during the busy season.
The frequency of car accidents in St. Catharines has been declining over the years. However, there remain hotspots where accidents are most likely to happen. As a general rule, be on alert when crossing intersections, as they are most prone to traffic accidents.
When driving, be extra cautious downtown, especially at intersections along Welland and Glendale Avenue. Due to their heavy congestion and traffic, these areas have more incidents than anywhere in St. Catharines. Even if you are an alert driver, there is always the possibility that another vehicle will crash into you.
Determining the amount of insurance coverage you want and ensuring that your policy provides support is an asset once an accident happens. In most cases, your St. Catharines car insurance does not have to be expensive to protect you and your family while driving.
How to Get the Best Car Insurance Rate in St. Catharines
Whether you are checking to see if your current insurance rate is high or need a new quote, we’re here to help. We aggregate data from the best insurance companies in St. Catharines to match you with a provider that works for you.
To find the best car insurance rate, you need to determine what type of coverage you want to add to the current minimum. Car insurance is mandatory in Canada, but there are add-on options that can increase your rate.
Common add-ons include collision coverage and comprehensive coverage. With MyChoice, you can choose to add or remove these options and see how they affect prices. This is just one of our many tools to help you compare car insurance in St. Catharines. The best part about the process is that insurance companies are competing for your business, so they provide their best rates.
We recommend reviewing the terms of your coverage before you commit. Additionally, think about the reputation of the provider, regardless of the price you get. Although our goal is to help you find cheap car insurance in St. Catharines, check your provider’s reviews before taking the plunge.
Compare Quotes for St Catharines Car Insurance Here!
No matter how confusing the auto insurance market may seem, you can always get a fair price with MyChoice. Insurance providers want your business and have aggressive pricing strategies to compete with each other.
At MyChoice, we help you get the best St. Catharines car insurance rate from reputable insurers. You can rely on us to find the cheapest quote without the hassle.
Get a free estimate and discover if you are overpaying on your car insurance. In a city as beautiful as St. Catharines, you deserve to enjoy your drive – that’s easier when you know you have the right insurance at the right price.
St Catharines Car Insurance FAQs
How much is car insurance in St. Catharines?
It costs an average of $1,016 per year for car insurance in St. Catharines or about $85 monthly. However, your rate may be more or less than this depending on the insurance company you choose, where you live in St Catharine, the type of car you want to insure, and other factors.
Is car insurance in St. Catharines expensive?
The average annual premium for car insurance in Ontario is $1,505. Brampton has the highest average rate in the province at $2,268 per year, while Kingston has the lowest at $843. Given this, St. Catherine’s average of $1,016 annually is below average and could be considered “inexpensive.” Even so, your insurance rate depends on more than just your location. It is possible to get even cheaper car insurance in St. Catherines.
How to get the cheapest car insurance in St. Catharines?
The best way to get cheap car insurance in St. Catherines is to shop around. Insurance rates can vary dramatically between providers, even for the same person and car in the same location. At MyChoice, we make comparing car insurance rates easy. Just fill out our quick form, and in less than 3 minutes, you’ll have quotes from 30+ providers. Remember to take some time trying different coverage options when comparing rates. Higher deductibles tend to come with lower premiums, as do fewer riders. However, be careful not to forgo coverage you need just to save on your insurance—it could cost you in the long-run. Beyond shopping around and playing with coverage options, you can also take advantage of insurance discounts. For instance, many providers offer a discount for safe driving, installing an anti-theft system, or insuring multiple vehicles. Some even offer a discount if you pay your entire premium in one lump sum. Keeping a clean driving record and good credit score will also generally lead to better insurance rates, as well as choosing a vehicle with good safety ratings.
When is a good time to compare car insurance rates in St. Catharines?
We recommend comparing rates at least once a year, preferably just before your current policy is due to renew. Outside of this, you may also want to compare rates after any major changes in your life, such as getting married or purchasing a new vehicle. Car insurance rates tend to drop steadily after age 20, with the most dramatic changes occurring after age 35—one more reason to check your rate every year. The passage of time can affect your premium in other ways too. For example, car accidents and tickets fall off your insurance “record,” so to speak, after three years.
Which car has the cheapest car insurance in St. Catharines?
Generally, vehicles with good safety ratings and anti-theft systems are the cheapest to insure. Economical to mid-range vehicles are also less expensive to insure than luxury vehicles. Sportscars and classic cars tend to be the most expensive. Some of the most popular options here in St. Catharine’s that typically have low rates include the Mitsubishi Mirage, Chevrolet Spark, Toyota Corolla, Mazda 3, Hyundai Elantra, and Honda Civic. Notice that these are all small, economical cars. Feature or use specific aspects may also affect the cost to insure a car. For instance, any features that increase the value of your vehicle, from after-market upgrades to paint colour, can increase your premium, while things like driving less can lower it.
What is the cheapest postal code for car insurance in St. Catharines?
The postal codes with the lowest insurance rates in St. Catherines include L2P, L2N, and L2M, which cover the Grantham, Homer, Lakeshore, Merritton, Niagara Gardens, Pot Dalhousie, and Secord Woods areas. In contrast, L2S has the highest rates. That postal code includes Grapeview, Martindale Heights, Vansickle, and Western Hill. Note that while postal code can have some impact on premiums, it’s generally not a significant difference. Your driving record and the car your drive are much more impactful.
What are the most dangerous intersections in St. Catharines?
While avoiding dangerous areas in the city traffic-wise won’t directly affect your insurance rate, it will help you avoid accidents—which would increase your premium. The most dangerous intersections in St. Catherines include Fourth and Martindale, Ontario and Scott West, Pelham and St. Paul, and Welland and Dunkirk. Some of these roads, such as Ontario Street, Welland Avenue, Martindale Avenue, and Fourth Avenue, also rank among the worst roads in the city as far as pavement condition, traffic signage, and safety measures, according to the Ontario Road Builder Association (ORBA).